NEW York singer Angela Carnegie and her husband, actor Keith Camire, say “Dr. Phil” McGraw sandbagged them on today’s show (3 p.m./Ch. 2).

Carnegie, a veteran singer who’s crooned the National Anthem for the Mets and Knicks, says she and Camire went on “Dr. Phil” to get advice from the folksy motivational guru on how to manage their $80,000 debt.

Instead, they say McGraw shifted gears and mocked Carnegie’s singing – to the point of ambushing them by having renowned music producer David Foster snarkily critique a tape of Carnegie performing.

“They made the premise out to be like I’m some yahoo who wasted $80,000 on my singing and ruined my husband’s life,” Carnegie says. “They told us they were going to do a story about couples in love who have this one issue – our issue being finances.

“Instead, they took everything I’m working toward and made a joke out of it.”

Carnegie and Camire, New Yorkers now living in Nashville, also claim that, prior to the show, “Dr. Phil” producers asked them to stage a fight over paying their bills because their story wasn’t “dramatic” enough.

“They put cameras in our house and, after a week, found nothing,” Camire says. “One of the producers got it in his head that he wanted a little drama … so he said to me, ‘Can you say something to your wife that’ll spark her up? We need some material.’ ”

Carnegie says she felt “catatonic” while sitting on stage with McGraw (the show was taped Feb. 15) and listening to Foster humiliate her.

“Dr. Phil looked at me and said, ‘You think you oughta have a Plan B?’ He was totally belittling and condescending to me,” she says. “I was literally in shambles. If you saw me after the taping … I was covered in hives, shaking and crying.”

The couple complained to the show, which offered to remove a few lines from Foster’s comments, add a link to Carnegie’s Web site (angelacarnegie.com) on today’s show and hook Carnegie up with Island Def Jam records.

The show has since removed the Foster segment completely.

“Keith, Angela’s husband, responded to a plug on drphil.com asking for help with a stressful issue in their marriage – specifically that they were in ‘serious trouble financially’ due to Angela’s ongoing pursuit of a career in music,” the show said in a statement.

“To clarify, Angela and Keith were never misled regarding the direction of the show. It is our hope that Angela and Keith will focus on the advice Dr. Phil provided.”

“The bottom line is we wrote them for help and didn’t get any help,” Carnegie says. “My goal is to let people know that [McGraw] is not what he appears to be.”